Documents you'll need

Sorry, paperwork is involved, but we are here to help you.

Below is a list of the papers needed. Simply provide them all to us, we can deal with them for you. The more you provide us with, the better we can help you speedly obtain the most suitable mortgage.

So here is the list...

Proof of identity and address

You need at least one proof of identity and one proof address for each person on the mortgage.

There are four simple rules:

One item for each person from list A (Identity).
One item for each person from list B (Address).
No single item can be used for both proof of identity and address.
No single item can be used for more than one person.

List A - Proof of Identity - normally one of the following

Current Full Signed Passport.
EU/EEA ID card.
Current UK Photo Driving License.
Firearms/shotgun license.

List B - Proof of address - normally one of the following

Latest Residential Mortgage Statement.
Latest Council Tax Bill.
Bank/Building Society statement dated within last 3 months.
Utility Bill dated within the last 3 months (not a mobile phone bill).
Current UK Driving License.

Confused? For examples, click here.

Proof of income

Lenders have different requirements, the following documents helps us investigate all potential mortgage options for you.

Employed proof of income

Latest 3 months' payslips.
Latest 2 years' P60s.

Self Employed/Own Company proof of income

Proof of income for the self-employed (including company director/owners) can be a little complex, so we have prepared a special guide for this topic, click here.

Bank statements

Three full months bank statements (not a day short). If you are downloading them, make sure that you get "statements" (showing your name and address) rather than a "transaction list".

Proof of deposit

Examples are:

If the money is in a bank account, three months' bank statements.
If the money is in an investment plan, a recent investment statement.
If the money is a gift from family or friends, a letter confirming this.

For an example gifted deposit letter, click here (opens in a new window).

Credit History

Lenders and your advisor will examine your financial history.

If you have access to a PC follow these instructions to get a free instant copy:

Go to the Equifax website: click here (*see note below).
Click on the "REGISTER NOW" button and follow the instructions.
When you finally login:

Scroll down the page until you get to "CREDIT REPORT SECTIONS View my credit report" heading.
Click on the "View my credit report" link.
Scroll down the page until you get to the "OLDER REPORTS" "DOWNLOAD REPORT" buttons.
Click on the "DOWNLOAD REPORT" button.

Another option, the simplist, but also the slowest as you have to wait for a passkey in the post:

Go to the Experian website: click here (*see note below).
Fill in your details, follow the instructions and wait for a passkey in the post.
When you receive the passkey and finally login, click on the “Download” link.

Not on the electoral role for the last three years?

If you haven't been on the electoral role for the last three years the lender may ask for proof of address. Examples of what they may ask for are credit card or bank statements, one for each six months that you are missing from the electoral role.

And remember

The above is a general guide designed to cover most people's requirements.
Don't be afraid to show us papers even if you aren't certain they are needed, better too much than not enough.
If there are things on the list that you are in the habit of throwing away, start keeping them now.
We can negotiate on your behalf with lenders for special consideration or search for a lender that only requires the paperwork that you can get.
If you have any questions then ask us, we are here to help you!

*Link opens in a new window outside of Slough Mortgage Centre's website and we cannot be held responsible for the content.

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Slough Mortgage Centre, a trading name of True Mortgage Advice Limited (FCA No. 4357878), is an Appointed Representative of Julian Harris Adviser Network Limited (FCA No. 304155), Musgrove, Ashford, Kent TN23 7UN, which is authorised and regulated by the Financial Conduct Authority.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.